9.8
9.9 Rates & Fees Excellent - Must request Interchange-Plus Pricing
9.5 BBB Rating & Complaints Excellent Rating / Complaints - Good
9.9 Terms & Contract Must Request No Contract
10 Competitive Advantages MasterCard Integrity Award / $500 Challenge

Updated on November 22, 2021

BluePay Processing Receives Praise from Mail Order and Telephone Order Customers. Gregory Bair

BluePay Processing has great experience and expertise and recently has received much praise for their stellar service for Mail Order and Telephone Order (MOTO) customers. In comparison to many other Credit Card Processing Companies who are stripping away MOTO service as a relic of the past, BluePay is investing in new technologies to enhance this older format, thereby reaching a greater customer base and offering new features. This makes BluePay a great business partner for merchants considering MOTO service for their customers.

BluePay continues to bring home awards and is in the news more than nearly every other company. Over the years, they have been recognized by the Better Business Bureau, earning their highest award. They made Inc. Magazine’s Top 500 List for being a fast-growth company. They have been recognized for their customer relationship building activities, including their online survey process and they have won awards for employee development. This company is serious about doing the right things; that’s why they have an excellent reputation with their customers. Their investment in their employees, training and technology spills over into great customer service.

Introduction

BluePay Processing, LLC is a Tier 1 credit card processor, a single source merchant account processor. They provide service to many different kinds of customers, both locally and globally, with diverse processing needs. The experienced leadership team has more than 100 years of combined leadership with merchant accounts. BluePay is headquartered in Naperville, Illinois, and has offices in New York City and in Toronto, Canada.  To maintain high performance and security, they have two geographically diverse tier 3+ data center facilities, which provides the “Payment Gateway”, state-of-art technology and business processes for data encryption and PCI compliance.  BluePay goes above and beyond standard PCI practices to safeguard customer and credit card holder information.  The company also has “heart.”  They donate a percentage of their profits monthly to the Susan G. Komen for the Cure Chicagoland chapter.  In addition, they support our service men and women by giving back annually to the Wounded Warriors Project.

BluePay provides Credit Card processing services to a wide variety of merchant types, including:

  • Mail Orders and Telephone Orders
  • Small Business
  • Enterprise
  • E-Commerce Websites
  • Retail
  • Restaurant
  • Hotel
  • B2B (Business-to-Business)
  • Non-Profit
  • Canadian Merchants
  • Banks
  • Churches
  • Credit Unions

BluePay offers the following payment solutions:

  • POS Systems
  • Mobile Processing
  • QuickBooks Integration
  • Touchtone and Voice Activated IVR Systems
  • eCheck (ACH) Payments
  • Electronic Billing and Invoicing
  • Tokenization
  • Point-to-Point Encryption (P2PE)
  • And much, much more
BluePay MOTO Merchant Review

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MOTO – Mail Order and Telephone Order

BluePay offers an advanced and proven approach to their MOTO clients via their Interactive Voice Response system (IVR). BluePay’s IVR with voice activated technology increases convenience, security and speed for merchants thereby improving customer service, allowing customers to make payments via touchtone phone, reducing cost to the merchant, all in a real-time and secure payment system. And with BluePay’s batch processing, the MOTO merchant can compile mail orders into a batch and submit them together.

Detailed MOTO pricing information is found below, in Rates, Fees, and Pricing.

Products and Services

BluePay has a solution for all types of businesses, whether you are a small retail store front or a large enterprise, to meet simple and complex needs.  Benefits of a Merchant Account include:

  • Boost Customer Satisfaction
  • Improve Revenue
  • Get Paid Faster
  • Increase Efficiency
  • Use E-Commerce and Accept Online Payments

BluePay’s merchant account enables retailers and businesses to accept so many different types of payments, including accepting online payments, even eChecks.

Here is a partial list of other features for merchants:

  • Money in 24-48 hours
  • 24/7 Expert support teams
  • Billing programs that are efficient and easy to use
  • Account management that is secure and online
  • Statements that are easy to interpret

POS System:  BluePay has a POS system for use with a computer system (with a credit card module) instead of a stand-alone terminal.  Secure data storage begins at the point of transaction.

In addition to the “newer payment” methods, like mobile merchant account services, BluePay also offers a tremendous variety of credit card equipment options. BluePay offers terminals, swiping terminals, apps, and software, whatever is needed.

  • Wireless credit card processing machines
  • Virtual credit card terminals
  • Mobile credit card readers (Mobile)
  • Stationary credit card terminals

Tablet POS Experience:  BluePay offers a Tablet POS Experience, which gives customers a unique checkout experience. Integrate it into an inventory management system and keep all your sales data in one place.  If you like using Excel, just export your data into the spreadsheet and you’re set!  This Tablet POS Experience allows you to easily show your product catalog, and you can take payments instantly.

Advanced Security: If your business requires advanced data security, look at BluePay’s Point-to-Point Encryption Security offer. It takes credit card security up several notches. Here’s how it works, it takes the cardholder data from the point of card swipe and it encrypts the data.  Then, the data stays encrypted while the data is in transit. It stays encrypted until the purchase has been authorized. This service can achieve and even improve compliance with PCI standards.

Enterprise Solutions and Integration

In complex credit card processing solutions, consider the consulting experience and technology that BluePay has to offer:

  • Integration with electronic invoicing, hosted payment forms, accounting systems.
  • Credit card processing can be integrated for all departments and a function, which means the company can have one seamless, efficient system that provides both simple and comprehensive reports to all stakeholders.  For example, you can have one system that integrates your POS retail system with your CRM system with your custom databases with your mail order department and with your mobile workers in the field.
  • Payment security
  • Payment Modules: Android, CRE Loaded, Drupal 6, iOS, Laravel, Magento, Microsoft Dynamics GP, NetSuite, OpenCart, osCMax, osCommerce, QuickBooks (multiple versions), SalesForce, Ubercart, WordPress, and Zen Cart.

Rates, Fees, and Pricing

BluePay offers several different types of pricing but you can say that their pricing is definitely fair and competitive.  BluePay offers a free rate analysis between their rates and competition.  Just telephone in or use their handy Live Chat.

BluePay invites prospective customers to contact them so they get the correct program to fit a client’s needs and providing a vendor exact pricing, which allows them to properly compare with competition.

Here is preliminary information, but you should call in to get details. Tiered, ERR, and Interchange-Plus pricing is available.

Retail/Mobile

  • Terminal (Internet or Dial-Up) As low as $199.00
  • Credit Card Rate                         As low as1.59%
  • Debit Card Rate As low as 1.19%
  • Transaction fee $0.20
  • Monthly fee $15.00

Monthly fee includes online access to your account through BlueView monthly statement and PCI certification.

If you key in cards or accept any company credit cards, you pay an err non-qualified surcharge of $0.50.

E-Commerce/Mail Order – Telephone Orders – rates as low as 1.69%

  • As low as 1.69% debit card keyed in
  • As low as 1.99% credit card keyed in
  • Add 0.79% surcharge for corporate and business cards
  • The transaction fee is $0.25 per sale with a monthly fee of $15.00
  • Includes a statement, PCI and BluePay bridge
  • No setup or annual fees

 The $500.00 Challenge.  In a month, when using MasterCard/Visa/Discover does between six thousand dollars and one hundred thousand dollars, BluePay offers a challenge:  contact them to review pricing from BluePay.  On their web site, they promise to pay you $500.00 even if they cannot help you save money. This is a solid sales pitch. It seems I can start saving monthly fees by switching to BluePay or I will at least make a quick $500.00.

Contract Terms

Merchants can easily switch to BluePay from other service providers.  Transferring is easy.

Activation of your account with BluePay is usually within 24 to 48 hours.

If you are transferring your account from one service provider to BluePay, their program allows you to continue to accept credit card payments – in other words there is no interruption of your accepting credit card payments from your customers.

If you choose to transfer to BluePay Credit Card Processing and if your current processor wants to hit you with a fee, BluePay can subsidize those fees and make your transfer to BluePay that much more appealing.

Customer Service

BluePay offers tremendous customer service.  One feature that I especially liked was their Live Chat function.  When I used it, a real person came online without almost no wait on my end.  The representative asked me questions to make me think and equally important the rep gave very clear answers to my questions.  The Live Chat function also allowed me to get a transcript of our chatting sent to my email address.  It was very efficient.  So, I was impressed, by the technology, by how fast the representative came online to help me, and with the quality of the answers.

  • When you have a question, you can call in toll-free Monday through Friday, 7:30 am to 6:00 pm, Central Standard Time.
  • Or, you can submit a question on their web site and they promise to get back to you within one business day.
  • They also had a set of some fifteen Frequently Asked Questions. The answers were very easy to read and they made sense to me.
  • Live Chat: 24/7

Technical Support

BluePay provides technical support 24/7, with people who have great communication skills.

Reviews / Testimonials

BluePay has earned many, many very favorable reviews, from a great variety of merchants, integrated partners, E-Commerce Store Startups, credit unions, banks, and many more. Here are a few examples of what people have said about their experience with Blue Pay Processing, LLC.

 It can get pretty hectic when parents are dropping off their children for dance class. We needed a fast and simple way for parents to pay for lessons. BluePay set us up with credit card readers that fit our small studio budget. Using the hassle-free equipment allows us to speed up the registration and payment process and spend more time teaching.

Renee Deets – Owner, Dance Studio

 We develop web-based CRM software for the consignment industry. With BluePay’s help, we’re able to offer exceptional service to our customers. Their payment processing solution integrates seamlessly with our software, thanks to their simple, straightforward API.  We couldn’t be happier to have a payment processing partner that fits so perfectly with our CRM platform.

Joe Gaboury – President, CRM Software for Consignment Industry

Combining our E-Commerce knowledge with BluePay’s payment processing expertise allows us to offer our customers affordable rates and exceptional service. BluePay’s multiple reporting tools and dynamic pricing is ideal for customers who use our custom-built business management software and E-Commerce platforms.

Ben Schmid – Founder, Custom-Built Software for E-Commerce Platforms

We are excited to be partnered and integrated with BluePay’s credit card and eCheck payment module. We are confident that our merchants will benefit from the payment efficiency and security that BluePay has come to be known for.

Gareth Christian-Lim – Partner, Shopping Cart Solution

The personal attention and support given to us and our members is prompt and courteous. We are confident that our members are being taken care of the same as if we were offering the merchant processing expertise directly.

Michelle M. Balog – Executive VP, Credit Union

BluePay is reliable, understands the complexities of transaction processing, and their customer service is a pleasure to deal with. Their flexibility and know-how allow us to focus on our business and achieve our goals.

Kent Scharringhausen – Sr. VP, Banking Institution

Having been a BluePay affiliate for over three years, I value the professionalism and support that I receive from the BluePay team. Being able to promote their great low rates, secure payment processing, and reliable customer service has helped me achieve success signing new merchant accounts. I look forward to maintaining my affiliate relationship with BluePay.

Sandy Holliday – Affiliate

Complaints

The Better Business Bureau of Chicago and Northern Illinois has determined that BluePay Processing, Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. There were complaints on billing/collection and problems with the product/service, but these were resolved successfully and continues to receive the highest A+ rating from this trusted source.

Conclusion

BluePay appears to be set to help its customers move forward to the next level of technology and security with credit card transactions, but remains a steady supplier of current and traditional forms of handling credit card transactions.

This writer had an excellent customer service experience and am hopeful all people who call in with a question get the same stellar service as I did.

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Starting at 2.6% + 10¢ per swipe for Visa, Mastercard, Discover, and American Express.


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